Method of transmitting electronic signature during a financial transaction
AssigneeDiebold Self-Service Systems division of Diebold, Incorporated
InventorsNatarajan Ramachandran, Ashok Modi, Jeff Hill, Ray Motz, Klaus Steinbach
Life of this patent
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Abstract
A system operates to carry out financial transfers in response to data read from data bearing records. A cell phone having a camera stores in memory indicia corresponding to account data from a plurality of magnetic stripe cards. A user can operate the phone to select one of the accounts stored in the memory. The memory further includes a scanned user-identifying written signature. The user can use the phone during an item purchase to wirelessly transmit each of an item's identifier captured by the camera, selected account data, and the user signature.
Claims20
Apparatus comprising:
- a system comprising:
- a transaction system computer,
- wherein the transaction system computer is operative to receive from a customer via the Internet during a financial transaction requiring customer signature and customer account information, customer-identifying electronic signature data wirelessly communicated during the financial transaction from a portable customer device including a wireless customer phone,
- wherein the transaction system computer is operative during the financial transaction to receive customer account information from the customer;
- wherein the transaction system computer is operative to cause the electronic signature data received and the customer account information received to be used in the financial transaction.
A method comprising:
- (a) operating a transaction system computer to receive from a customer via the Internet during a financial transaction requiring customer signature and customer account information, customer-identifying electronic signature data wirelessly communicated during the financial transaction from a portable customer device including a wireless customer phone;
- (b) operating the transaction system computer during the financial transaction to receive customer account information from the customer;
- and
- (c) operating the transaction system computer to cause the electronic signature data received in (a) and the customer account information received in (b) to be used in the financial transaction.
Dependencies are inferred from the claim text.